How Creator Payouts Work: Stripe, Review Periods & Fees

Last updated: July 2026 · 6 min read

"When do I actually get the money?" is the first question every creator asks, and vague answers are a red flag. This page walks through the full path a euro takes — from a business funding a campaign to a payout landing in your bank — and explains why each step exists.

The journey of one euro

1
The business funds the campaign. The full budget is escrowed upfront, before creators can even see the campaign. The money is already committed — you're not chasing an invoice.
2
You post and submit proof — the public link to your post.
3
An admin approves it. Your earning is credited, minus the 10% platform fee.
4
A 24-hour review window runs. The earning shows as "in review" and isn't withdrawable yet.
5
It matures and moves into your withdrawable balance automatically.
6
You request a withdrawal. An admin approves it and the funds transfer to your connected Stripe account, then out to your bank.

The fee, in plain numbers

A single 10% platform fee is deducted from each approved reward. That's it — no subscription, no joining fee, no withdrawal fee from the platform.

Campaign reward (gross)Platform fee (10%)Your net earning
€1.00€0.10€0.90
€2.50€0.25€2.25
€10.00€1.00€9.00

The reward shown on a campaign card is always the gross figure. Multiply by 0.9 for what actually reaches your balance.

Why there's a review window

A 24-hour hold between approval and withdrawal is not a cash-flow trick — it's fraud protection that keeps the marketplace viable for the businesses funding it.

Without it, the obvious exploit is: post, get approved, withdraw within seconds, delete the post. The business pays for advertising that no longer exists. Because payouts are irreversible once money leaves the platform, a short hold is the only practical defence.

What this means for you: leave your campaign posts up. Deleting a post during or after review can cost you the earning, and repeated violations affect your account tier.

Understanding your balances

BalanceWhat it meansCan you withdraw it?
In reviewApproved, still inside the 24-hour windowNot yet — it matures automatically
AvailableMatured earnings, minus anything already locked by a pending withdrawalYes
Total earningsLifetime net earnings across all approved postsHistorical figure

Requesting a withdrawal locks that amount so it can't be requested twice. If a request is declined, the amount returns to your available balance.

Connecting Stripe (required before withdrawing)

Stripe is the payment infrastructure that moves money to your IBAN. You'll be asked to complete a short onboarding — identity and bank details — before your first withdrawal.

This isn't bureaucracy for its own sake:

Common snag: completing the Stripe form isn't the same as being payout-ready. Stripe sometimes needs an extra document before it enables payouts. If your account shows as pending or "action required", open the Stripe onboarding again and finish what it asks for — withdrawals stay blocked until Stripe itself says payouts are enabled.

How long the bank transfer takes

Once a withdrawal is approved, the money moves in two hops: platform → your Stripe account → your bank. The first is effectively instant; the second follows Stripe's payout schedule for your country and bank, typically a few business days. New Stripe accounts sometimes see a longer first payout while Stripe completes verification.

Nobody — not the platform, not Stripe — can make a bank settle faster than its own rails allow, so treat any "instant payout" promise with scepticism.

Frequently asked questions

Is there a minimum withdrawal?

You can request any amount from your available balance, subject to a small minimum so that transfer costs don't exceed the payout itself.

Why was my withdrawal declined?

Withdrawals are reviewed before funds leave the platform. The usual causes are an incomplete Stripe account, or activity flagged during review. A declined request returns the amount to your available balance — it isn't lost.

Do I pay tax on this?

Your earnings are income, and how it's taxed depends on your country and status. The platform doesn't withhold tax on your behalf, so keep your own records. This page isn't tax advice.

Can I get paid without Stripe?

No. Stripe is the payout rail, so a connected, payout-enabled account is required.

Start earning

Post, get approved, withdraw. No invoices, no chasing brands.

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